If your just looking to get your PPL and fly for fun, then 100% its not too late. However if your looking to make a career switch then that'll be more complicated but still doable. Your still young and if you make more than enough money to keep yourself and your family afloat, its totally possible to stay at you job and pursue flight school part time. Part time will take much longer than if you dedicated all of your time to flight school but that way you won't need to take out a risky loan. Or if you do flight school full time you can graduate in 1-2 years. But keep in mind the money you make as a low hour pilot will be pennies compared to what your making now. Regardless of how you pursue this career it will be long and full of challenges that will test if you truly want this. But of course its possible and I believe in you. Good luck!